Point Breeze Credit Union

Name

Point Breeze Credit Union

Legal name

Point Breeze Credit Union

Website

https://pbcu.com/

Company type

Private

Founded year

1935

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Card Issuing (522210), Other Nondepository Credit Intermediation (52229)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Credit Score Monitoring & Credit Building (FSAGADAE), General Purpose Credit Cards (FSAKABAA)

Keywords

• Retail banking services
• Consumer lending products
• Mortgage and home equity
• Small business banking
• Digital credit union

Headquarters

HQ city

Hunt Valley

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income on Loans: The primary revenue driver is interest earned on loans including auto loans, mortgages, home equity loans, personal loans, and business loans. Interest rates vary by product type, term, and creditworthiness.
2. Fee Income: Various fees including overdraft fees, wire transfer fees, ATM fees at non-network ATMs, monthly maintenance fees on certain accounts, and card-related fees. Fee schedule is publicly available.
3. Investment & Insurance Referrals: Referral arrangements with LPL Financial for investment and retirement services, and with TruStage for insurance products. The credit union receives compensation for customer referrals.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Point Breeze Credit Union is a member-owned financial cooperative that provides retail banking and lending products to individuals and small businesses across Maryland through five branch locations and digital channels. Its core offering spans deposit accounts (checking, savings, CDs, IRAs), consumer and business loans (auto, mortgage, HELOC, personal, business term, SBA, lines of credit), Visa credit cards, and digital banking services (mobile app, online banking, P2P, card management, digital wallet, early deposit), supplemented by financial advisory services via LPL Financial and merchant/payroll services through partner referrals.

Product overview

Point Breeze Credit Union is a full-service financial institution offering a comprehensive suite of personal and business banking products through both physical branch locations and digital channels. The product portfolio centers on core deposit accounts (checking, savings, CDs, IRAs), lending products (auto loans, mortgages, home equity, personal loans, business loans, credit cards), and digital banking services (online banking, mobile banking with card management, digital wallet, P2P transfers, credit monitoring). Business banking includes checking, savings, loans, and merchant/payroll services through partnerships. Financial wellness services include investment advisory through LPL Financial, educational workshops, gamified learning via Zogo, and fraud protection. The organization operates as a not-for-profit credit union returning value to members through better rates and lower fees compared to traditional banks.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Checking PLUS+
• Student Free Checking PLUS+
• Share Savings
• Youth Savings
• Goal-Based Savings
• Holiday Club Savings
• Certificates of Deposit (CDs)
• Traditional IRA
• Roth IRA
• Auto Loans
• Boat, Motorcycle & RV Loans
• Vehicle Refinancing
• Personal Loans & Lines of Credit
• Student Loans
• Visa Credit Cards
• Mortgages
• Mortgage Refinancing
• Home Equity Lines of Credit (HELOC)
• Home Equity Loans
• Essential Business Checking
• Business Plus Checking
• Business Share Savings
• Business Certificates of Deposit
• Real Estate Loans
• Business Lines of Credit
• Business Term Loans
• Equipment Loans
• Business Vehicle Loans
• SBA Loans
• Business Credit Cards
• Merchant Services
• Payroll Processing
• Employee Retirement Plans (SEP IRA)
• Online Banking & Bill Pay
• Mobile Banking
• Card Management
• Digital Wallet
• Digital Transfers (Pay A Person)
• Early Deposit
• Credit Score
• Point Breeze Investment & Retirement Services
• Zogo Financial Education
• Security & Fraud Prevention

Quantifiable outcome

• $16.1 million in direct financial benefit saved by members in 2024

Named customers1 record

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Central Credit Union of MarylandcoreStrategic or Co-development Partner · 1 April 2026Central Credit Union of Maryland officially merged with Point Breeze Credit Union on April 1, 2026. The merger was approved by NCUA and Maryland Office of Financial Regulation. Central branches operate as 'Central Credit Union, A Division of Point Breeze Credit Union' until full system integration later in 2026.
• Sallie MaecoreStrategic or Co-development PartnerPoint Breeze has partnered with Sallie Mae to offer student loan products including Smart Option Student Loans for undergraduates and career training students, Graduate School Loans, and After Graduate School Loans. The credit union receives referral compensation for directing students to Sallie Mae's loan products.
• USB Payment ProcessingcoreChannel Partner/ Reseller/ DistributorTowson-based USB Payment Processing provides merchant services to Point Breeze business members. The partnership offers competitive credit card processing rates with no hidden fees and local support for businesses in Maryland communities.
• PaychexcoreChannel Partner/ Reseller/ DistributorPaychex provides payroll processing services to Point Breeze business members including direct deposit, payroll tax preparation, employee benefits administration, and time and attendance solutions.
• LPL FinancialcoreChannel Partner/ Reseller/ DistributorPoint Breeze Investment & Retirement Services is offered through LPL Financial, providing members access to financial advisors for retirement planning, investment planning, insurance planning, education planning, and business planning with no-cost, no-obligation consultations.
• ZogominorStrategic or Co-development PartnerZogo is a free gamified financial literacy app with 800+ modules. Point Breeze members access the app using code 'PBCU' and earn 'pineapples' redeemable for gift cards by completing educational modules.

Scale indicators4 records

Recent moves5 records

Expansion highlights7 records

Direct peers

• Tower Federal Credit Union: Maryland-based federal credit union offering a comparable retail and small-business banking, lending, and mortgage product suite. Similar size band, geographic focus, and member-owned cooperative structure make it the closest direct peer for competitive benchmarking.
• SECU Maryland (State Employees Credit Union of Maryland): Maryland-chartered credit union serving state employees and affiliated groups with checking, savings, lending, and digital banking. Comparable community credit union model operating in the same Maryland geography.
• APGFCU (Aberdeen Proving Ground Federal Credit Union): Federal credit union headquartered in Maryland with a similar full-service retail/SMB product set including mortgages, auto loans, and business banking. Comparable charter type and Mid-Atlantic member base.
• Freedom Federal Credit Union: Maryland-based community credit union offering deposit, lending, and digital banking services to members in overlapping Maryland geographies. Closely comparable in size and product breadth.
• Educational Systems Federal Credit Union: Maryland-headquartered federal credit union serving school-system employees and families with retail banking, mortgages, and digital channels. Comparable member-base profile and product mix to Point Breeze's community/military segments.
• First Financial Federal Credit Union: Maryland-based community credit union offering personal and business banking, mortgages, and lending. Operates in the same regional market with a similar member-owned value proposition.

Broad incumbents

• Atlantic Union Bank (formerly Sandy Spring Bancorp): Large Maryland-headquartered commercial bank with a full retail, mortgage, and business banking franchise across the Mid-Atlantic. Competes for the same Maryland retail and SMB deposits and loans that Point Breeze targets, but with broader geographic reach and a wider product portfolio.
• M&T Bank: Major regional bank with a deep Maryland branch and ATM network offering consumer and commercial banking, mortgages, and wealth services. Competes directly with Point Breeze for retail and small-business customers across Maryland.
• PNC Bank: National bank with significant Maryland retail and small-business presence offering checking, savings, mortgages, and digital banking. Represents the 'big bank' competitor against which Point Breeze positions its lower-fee, higher-rate value proposition.

Emerging players

• Alliant Credit Union: Large national digital-first credit union with no-branch membership eligibility. Competes for digitally-engaged Maryland consumers on rates and digital UX, exerting pressure on Point Breeze's younger and mobile-first member segments despite limited local overlap.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCyimIem23u_o6u1AruGr4OQ
• Facebookfacebook.com/pointbreezecreditunion
• LinkedInlinkedin.com/company/point-breeze-credit-union
• Instagraminstagram.com/pointbreezecreditunion

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Point Breeze Credit Union